Reference Number: 130-PEO00771 Department: People & Change Nigeria Job Type: Permanent Reports to: Head, Retail Banking Directorate Job Summary
The Job Holder will be responsible for leading the Emerging Businesses and Agri-Finance teams to actualize the four pillars of the Bank’s Emerging Businesses propositions goals which are access to finance, access to market, access to capacity building and access to cost sensitive products.
Key Responsibilities
Oversee the Emerging Businesses product portfolio and drive their growth with regards to count, volume, income and quality.
Oversee the management of the the Bank’s Business Advantage Account (DBA) portfolio count, volume and Income; and implement initiatives to meet the needs of existing and potential customers.
Oversee the management of all special projects, collaborative interventions and partnership initiatives towards actualizing the proposition’s set goals.
Oversee the planning, organizing and actualizing of defined goals for all capacity development and support services initiatives for MSME clients.
Oversee the management of the Emerging Businesses Domiciliary Portfolio count, volume and income; and implement initiatives to meet the needs of existing and potential customers.
Oversee the management of the the Bank’s School Advantage Account Portfolio count, volume and Income; and implement initiatives to meet the needs of existing and potential customers.
Drive Agri-Finance development across viable value chains within the Agricultural sector and related sectors to support the achievement of the Bank’s MSME goals.
Drive the timely achievement of defined profitability goals for the Agri-Finance Unit in line with bank-wide objectives and target across all branches.
Liaise with the Credit Risk Division and regulatory authorities (CBN, NAIC etc) to ensure that all Emerging Businesses and Agric credit policies and products are regularly updated.
Ensure regular capacity development of Emerging Businesses and Agri-Finance teams on all EB and Agric lending policies and skill sets.
Oversee preparation and compilation of all monthly and periodic portfolio reports for management and regulatory use for MSME and Agri-Finance.
Ensure that all facilities are closely monitored for warning signals and proactively identify and mitigate same. Track income and prevention leakages to maintain high quality assets in the proposition.
Track and assess performance of the Propositions products portfolio bank-wide.
Qualifications & Experience
A University Degree in any relevant discipline with a minimum of Second Class Lower Division (2.2).
Masters in a Business/Finance discipline will be an added advantage.
Minimum of 15 years’ relevant experience in Segment Management and Product Marketing with at least 8 years in the Banking Industry and 5 years in a leadership role.
Experienced in managing relationships at a senior level and managing a diverse (in terms of skill base and experience) team of people.
Extensive business and SME/retail leadership experience in the banking sector.
Must possess a track record of increasing and sustaining sales growth and profitability in challenging market conditions such as the current economic climate
Must demonstrate a proven ability to motivate, coach and develop people
Other Requirements:
Proficiency in the use of Microsoft Suite
In-depth knowledge of the Banking industry and relevant operations
Must stay abreast of latest industry trends in the Consumer Baking and SME space.
Skills Required:
Analytics and financial management
Product and portfolio management
Leadership, relationship management, negotiation, marketing and networking
Innovation and ability to think strategically
Business writing, communication and presentation
Project management and time management
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